Share Certificates

Share Certificates⁴
$1,000 Minimum – Penalty Will or May Be Imposed For Early Withdrawal

Certificate Term
6 months
12 months (Limited Time Special)
18 months Step-Up⁸ (Limited Time Special)
24 months
30 months Step-Up⁸ (Limited Time Special)
36 months
41 months Step-Up⁸ (Limited Time Special)
60 months
Dividend Rate
0.30%
2.281%
2.379%
1.79%
2.723%
2.03%
2.967%
2.82%
APY²
0.30%
2.30%
2.40%
1.80%
2.75%
2.05%
3.00%
2.85%

JUMBO Certificates⁴
$100,000 Minimum – Penalty Will or May Be Imposed For Early Withdrawal

Certificate Term
6 months
12 months (Limited Time Special)
18 months Step-Up⁸ (Limited Time Special)
24 months
30 months Step-Up⁸ (Limited Time Special)
36 months
41 months Step-Up⁸ (Limited Time Special)
60 months
Dividend Rate
0.40%
2.379%
2.477%
1.89%
2.772%
2.13%
3.065%
2.92%
APY²
0.40%
2.40%
2.50%
1.90%
2.80%
2.15%
3.10%
2.95%

Youth Certificates⁴
$100 Min. $30,000 Max. – Penalty Will or May Be Imposed For Early Withdrawal

Certificate Term
3 Month Add-On³
Dividend Rate
0.45%
APY²
0.45%

Share Accounts

Annual Percentage Yields (APY) on Share Accounts are accurate as of the last dividend declarations date of 6/30/2022

(S1) Share savings
Minimum Balance to earn Dividend
$100
Dividend Rate
0.10%
APY²
0.10%
(S3) Secondary Savings
Minimum Balance to earn Dividend
$100
Dividend Rate
0.20%
APY²
0.20%
(S7) Share Draft (Checking)
Minimum Balance to earn Dividend
$500
Dividend Rate
0.05%
APY²
0.05%
(S4) Christmas Club⁵
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
(S8) Vacation Club⁵
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
(s5) ira shares⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
(s10) roth ira shares⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
(s15) education ira shares⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
(s25) Health savings account⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.40%
APY²
0.40%
(s9) Youth Account
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
(s13) Teen Account
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
(S2) DID Account⁷
Minimum Balance to earn Dividend
$50
Dividend Rate
0.25%
APY²
0.25%
(S11) Share Plus⁷
Minimum Balance to earn Dividend
$50
Dividend Rate
0.25%
APY²
0.25%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$1,000 - $24,999.99
Dividend Rate
0.25%
APY²
0.25%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$25,000 - $49,999.99
Dividend Rate
0.35%
APY²
0.35%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$50,000 - $99,999.99
Dividend Rate
0.55%
APY²
0.55%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$100,00 - $249,999.99
Dividend Rate
0.65%
APY²
0.65%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$250,000 - $499,999.99
Dividend Rate
0.80%
APY²
0.80%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$500,000+
Dividend Rate
0.90%
APY²
0.90%

Home Equity Loan Rates

Check with a CFCCU Loan Officer for exciting new options.

Home Equity Line of Credit⁹


Open End HELOC
APR¹ as low as
5.00%

Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio. All loans subject to approval. 

Maximum APR¹ is 21.00%. Add 1.75% to interest rate for loans with loan-to-value ratio over 85%.

The required minimum payment is $100 or payment is calculated on a 15-year term based on current APR¹ and balance outstanding.

EXAMPLE: A $20,000 HELOC balance at 3.50% APR¹, the monthly payment will be $143.

Home Equity Loans Closed End⁹

Loan Term
5 Year (60 Month)
7 year (84 month)
10 year (120 month)
15 year (180 month)
20 year (240 month)
APR¹ as low as
4.40%
4.60%
4.89%
5.40%
5.90%

EXAMPLE: A $20,000 loan for a term of 120 months with a 4.89% APR¹, the monthly payment will be $212. Tax and insurance premiums are not included in the payment. The actual payment obligation may be greater.

EXAMPLE: A $50,000 loan for a term of 180 months with a 5.40% APR¹, the monthly payment will be $407. Tax and insurance premiums are not included in the payment. The actual payment obligation may be greater.

Auto Loan Rates

New Vehicle Loans
2020 & newer with 20,000 miles or less

Loan Term
48 months
60 months
66 months
72 months
84 months
APR¹ as low as
4.14%
4.39%
4.49%
4.59%
4.79%

Example: A $20,000 loan for a term of 60 months with a 4.39% APR¹, the monthly payment will be $372.

Used Vehicles
2019 & newer with over 20,000 miles

Loan Term
48 months
60 months
66 months
APR¹ as low as
4.39%
4.39%
4.69%

Used Vehicles
2018 Model Year

Loan Term
48 months
60 months
66 months
APR¹ as low as
4.64%
4.64%
4.89%

Used Vehicles
2017 Model Year

Loan Term
48 months
60 months
APR¹ as low as
4.99%
4.99%

Used Vehicles
2016 Model Year

Loan Term
48 months
60 months
APR¹ as low as
5.09%
5.09%

Used Vehicles
2015 Model Year

Loan Term
36 months
48 months
APR¹ as low as
5.09%
5.09%

Used Vehicles
2014 Model Year

Loan Term
36 months
48 months
APR¹ as low as
5.29%
5.29%

Used Vehicles
2013 Model Year

LoanTerm
36 months
48 months
APR¹ as low as
5.29%
5.29%

Used Vehicles
2012 and Older Model Year

Loan Term
36 months
48 months
APR¹ as low as
7.39%
7.89%

Consumer Goods

Includes: fold-down campers, garden tractors, mopeds, scooters, computers, household good, and appliances 

New Consumer Goods

Loan Term
36 months
48 months
APR¹ (20% Down) as low as
6.10%
7.10%
APR¹ (0% Down) as low as
7.10%
8.10%

EXAMPLE: A $15,000 loan with 20% down ($12,000 financed) for a term of 36 months with a 6.10% APR¹, the monthly payment will be $366.

EXAMPLE: A $15,000 loan with no money down for a term of 36 months with a 7.10% APR¹, the monthly payment will be $464.

Used Consumer Goods

Loan Term
24 months
36 months
APR¹ (Wholesale) as low as
7.60%
8.60%
APR¹ (Retail) as low as
8.60%
9.60%

Recreation Loans

Includes: off road motorcycles, UTV's, ATV's jet skis w/trailers, and snowmobiles

New 2020 & Newer Model Year

Loan Term
72 Months¹⁰
APR¹ as low as
5.14%

¹⁰Loan amount must exceed $10,000 for 72-month term

2016-2017 Model Year

Loan Term
48 Months
APR¹ as low as
5.74%
2018-2019 Model Year
Loan Term
60 Months
APR¹ as low as
5.39%
2015 & Older Model Year
Loan Term
36 Months
APR¹ as low as
6.45%

EXAMPLE: A $15,000 loan $0 down, for a term of 72 months with a 5.14% APR¹, the monthly payment will be $243.

Personal Loan Rates

Loan Term
12 months special
12 months
24 months
36 Months
48 months
60 months
APR¹ as low as
3.99%
6.35%
7.35%
8.35%
8.85%
9.35%

EXAMPLE: A $3,000 loan for the term of 12 months with a 6.35% APR¹, the monthly payment will be $259.

¹APR – The Annual Percentage Rate is a variable rate and is subject to change without notice.
²APY – The Annual Percentage Yield Rate is a variable rate and is subject to change after account opening and without notice. APY is accurate as of the last dividend declaration date.
³Only available for members under age 18. Member may add to certificate balance at any time.
⁴Fees may reduce earnings on Share Certificates
⁵Fees may reduce earnings on Share Accounts
⁶Fees may reduce earnings on IRA & HSA Accounts
⁸Members can “Step-Up” the rate one time during the term of the certificate to the rate being paid on regular certificates of similar terms.
⁹Payments do not include taxes and insurance premiums. The actual payment obligation may be greater.